Fee-Based Financial Planning

As fee-based financial planners, we are compensated for the time and expertise put into designing and creating your personal
financial plan. Under this fee structure, we have a responsibility to ensure your interests and goals are always put
first.

Of course, our role with clients goes beyond just providing expert guidance in the creation of your financial plan. When
we work with you during a fee-based financial planning engagement, we follow the fiduciary standard which means that
we act in your best interest and put your interests ahead of ours. We'll also help you implement your plan through
a combination of innovative investment and insurance solutions.

In the end, we are paid to work with you to make sure your financial needs are met with care, with expertise and with an
understanding of your unique circumstances and individual goals. Together, we can agree on the appropriate fee structure
based upon those needs and the specific services required.

Making great decisions about your wealth, whether you are deciding to grow it or protect it or both, starts with sound
thinking; thinking that makes sense. Here’s how our thinking starts when it comes to helping you make important
financial decisions.

With financial independence, family legacy and social capital solutions in place, wealth optimization becomes the focus
of the planning process. We use a unique and disciplined values-based approach to help you make wise choices and to
help ensure that your plan is focusing on what you value.

We break the planning process into four quadrants or phases, each one representing one planning cycle: Discovery, Creative
Solutions, Strategy Deployment, and Results Management.

Discovery:
Identify and think about the problem The first phase begins by thinking clearly about the problem. This is called the Discovery phase and this is
where clarity is achieved around your goals and planning gaps are identified.

Creative Solutions:
Think about the solution The second phase is the Creative Solutions phase where you think clearly about the solutions and make decisions
regarding closing the planning gaps.

Strategy Deployment:
Implement the solution The third phase is the Strategy Deployment phase where you implement the solution and help achieve your desired
results.

Results Management:
Manage the results The final phase is the Results Management phase where we establish a plan to manage and implement the results.
This assures you have confidence your plan will work over time.

Working with a knowledgeable and experienced planner who has access to current technologies and a thorough understanding
of tax rules and financial planning techniques is important. Working with an advisor who takes the time to understand
your unique desires and goals is critical.

We will take the time to help you make that assessment, develop a plan that works for you, and provide you with the tools
and strategies necessary to successfully implement that plan.

Copyright 2016 The Legacy Companies, LLC. Concepts used in these materials used with permission from The Legacy Companies,
LLC. Legacy Materials and Concepts are only made available to advisors in the Fee-Based Financial Planning program
at Northwestern Mutual Wealth Management Company.

Depending on the products and/or services being recommended or considered, refer to the appropriate disclosure brochure for important information on the Northwestern Mutual Wealth Management Company, its services, fees and conflicts of interest before investing. To obtain a copy of one or more of these brochures, contact your representative.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities, and life insurance with long-term care benefits) and its subsidiaries. Dustin J Kindl is a Representative of Northwestern Mutual Wealth Management Company®, (NMWMC) Milwaukee, WI (fiduciary and fee-based financial planning services), a subsidiary of NM and federal savings bank. All NMWMC products and services are offered only by properly credentialed Representatives who operate from agency offices of NMWMC. Representative is an Insurance Agent of NM, and Northwestern Long Term Care Insurance Company, Milwaukee, WI, (long-term care insurance), a subsidiary of NM, and a Registered Representative of Northwestern Mutual Investment Services, LLC (NMIS) (securities), a subsidiary of NM, broker-dealer, registered investment adviser and member FINRA (www.finra.org) and SIPC (www.sipc.org).

The products and services referenced are offered and sold only by appropriately appointed and licensed entities and Financial Representatives. Financial Representatives and their staff might not represent all entities shown or provide all the services discussed on this Web site. Not all products and services are available in all states.

Dustin J Kindl is primarily licensed in Minnesota and may be licensed in other states.